A year after Ohio’s property tax crisis reached a boiling point, the state has begun rolling out relief —but the fallout is still plain enough to see.

Cuyahoga County sold a record $18 million in delinquent property tax debt in June, while Mahoning County ’s auditor lists more than 24,000 delinquent parcels. And with some of the biggest reforms only beginning to reach tax bills, it remains unclear if it is too little, too late.

The roots of the pressure reach back years, as soaring home values, reassessments, and rising tax bills pushed frustration across Ohio to a breaking point.

Last spring, Mahoning County tax delinquency rate hit 18%, with more than $70 million in unpaid property taxes. Some neighborhoods in Youngstown saw rates as high as 1 in 3 homeowners behind. In Cuyahoga County, values jumped 32% on average after reassessments, fueling a $60 million increase in past-due balances.

Matt Nolan , president of the County Auditors’ Association of Ohio, warned it could get worse, saying that homeowners could face an additional 25% increase in property taxes in the coming years.

The Buckeye State now ranks eighth in the nation for property tax burden—ahead of even New York and California —yet it sits 40th in median household income.

With the state’s tax system under scrutiny and reform measures stalled, a grassroots movement is stepping in where the state Legislature has not, calling for nothing less than the abolition of property taxes altogether.

From boom to burden: Why are taxes surging in Ohio?

Ohio has been at the center of a Midwestern revival, booming in cities such as Columbus and Cleveland, drawing new development, and watching home values climb across once-stagnant suburbs. But with that growth has come a surge in property tax assessments that many homeowners say they simply can’t keep up with.

In Cuyahoga County, recent reassessments raised home values by an average of 32%, with some communities seeing even steeper increases. For example, East Cleveland jumped 67%. For homeowners who bought modest properties decades ago, their taxes now seem closer to those of luxury subdivisions.

Part of the issue is structural. Ohio reappraises property every six years, meaning many residents just underwent their first reassessment since the COVID-19 pandemic-fueled housing boom. That’s created a massive collective jump in assessed value for the state—and, in many cases, higher tax bills.

Lawmakers say they hear the growing frustration, but meaningful relief has yet to materialize. That inaction has helped spark a grassroots movement that’s gaining statewide attention: a push to abolish the property tax entirely through a constitutional amendment.

If Ohio’s property taxes are eliminated, Gov. Mike DeWine says sales tax in the state could spike dramatically.
Gov. Mike DeWine signed a package of property tax changes in late 2025, including an inflation cap that is beginning to affect some 2026 bills. (Getty Images)

“Much of what has been proposed in the Legislature should have been done 20 years ago to have any meaningful effect on people,” says Beth Blackmarr , an organizer and spokesperson for Citizens for Property Tax Reform. Her group helped launch the repeal movement, though she says leadership has since transitioned to a campaign known as Ax the Tax.

At the same time, legislative battles continue. In late July 2025, Gov. Mike DeWine vetoed a provision that would have limited local governments from placing certain levies on the ballot. But the House overrode that veto, and if the Senate follows suit, the restriction could become law.

While the measure might slow future tax hikes, it does little to address the financial distress homeowners are facing now. That’s one reason grassroots groups are still gathering signatures in hopes of putting a full repeal of the property tax on the ballot in November.

For many homeowners, the wait for reform has grown intolerable. With no fixes yet in place and higher tax bills looming, frustration has reached a boiling point.

The cost of inaction

When 1 in 3 homeowners in a city like Youngstown can’t afford to pay their property taxes, it’s no longer a personal problem. It’s a policy failure—one that puts thousands of homeowners at risk of foreclosure. 

Or, as one mortgage broker bluntly told Blackmarr: “If you really want to find out who owns your home, don't pay your property tax.”

It’s a situation that she knows all too well.

“When I got my property tax reevaluation last year, I opened the envelope up and hit the floor,” Blackmarr told Realtor.com® in May. “Panic.”

Her home's assessed value had jumped by 51.9%. That unexpected spike triggered a tax bill so large, it came as both a wake‑up call and a tipping point.

“We cannot have people losing the homes that they worked all their lives for and paid in full for,” she said in a follow-up interview with Realtor.com this week. 

She's heard from homeowners whose property tax bills now exceed their original mortgage payments, and now, she fears what that means for the next generation.

“It is a very bad and dangerous situation,” she said. “It’s robbing our young people of the American dream of homeownership.”

What’s on the table: Repeal, caps, and commissions

With frustration mounting across Ohio, lawmakers, organizers, and the governor are each advancing different solutions—some sweeping, others incremental.

At the extreme end is the citizen-led initiative Ax the Tax, which would abolish property taxes entirely by amending the state constitution. 

The proposal has gained traction, with supporters arguing it’s the only way to force lawmakers to act. Critics, however, warn it would blow a $23 billion hole in local government funding, jeopardizing schools, emergency services, and infrastructure.

A more targeted approach is gaining momentum in the Legislature. State Reps. Tex Fischer (R-Boardman) and Beth Lear (R-Delaware) are backing a proposal that would cap property taxes at 1.25% of a home’s market value, and 1% for seniors who’ve lived in their homes for at least five years.

Meanwhile, DeWine, the governor, has launched a property tax reform task force, giving the group until the end of September to produce recommendations that will make a “meaningful” difference for homeowners. But its authority is limited: It can propose, not enact, and any final changes will require support from both chambers of the General Assembly.

The County Auditors’ Association of Ohio has even stepped in, proposing a four-pronged relief strategy. In testimony before the Joint Committee on Property Tax Review and Reform, it suggested expanding the homestead exemption program, expanding the owner occupancy credit, limiting growth in revenue for local jurisdictions, and instituting a broad swath of programs that could offer targeted relief to moderate- and low-income residents. 

As legislative maneuvering continues, Citizens for Property Tax Reform is focused on education.  

“People need to know how to challenge their property values,” Blackmarr said. “When they get these huge valuations, they need to know what to do. They need to know what their rights are. They need to know what information is available to them.”

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Or you can do an Ikea hack to get the same result. Just attach one of their long, horizontal storage systems to your walls. Then add cushions and preformed molding for the same custom look. The big reveal doesn’t happen overnight, and a renovation almost always looks worse before it looks better. Britt Kingery, home improvement blogger #2 Miracle Makeover With Just Paint, Stain (and Patience) “The Brady Bunch”-orange wall and abused floors in the before photo are homely enough to strike you blind. But what a miracle paint, sanding, and stain can do! Lighter shades on the walls, trim, and floor reflect natural light, making the space so much brighter. And for very little money (about $150). The key to such an amazing transformation, Kingery says, is to be a tortoise, not a hare. 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One solution: Work with a REALTOR as early as possible in the process. “Make sure your agent knows your budget, so they can help you set expectations and stick to them,” she advises. How to Navigate House Hunting in a Competitive Market In addition to pressure to exceed their budgets, buyers are facing hurdles like these five: 1. Requests to Waive Contingencies Tamara Suminski, a real estate agent at Beach Real Estate Group in Manhattan Beach, Calif., is seeing not only bidding wars but also sellers wanting buyers to waive contingencies. “With an appraisal contingency, if the appraisal comes in low, the buyer has choices. They can choose to try to renegotiate with the seller, bring in the difference, or cancel. When they remove that contingency and its protection, and if the home doesn’t appraise at the right level, the seller is not very likely to renegotiate with them. And the buyer has waived their right to cancel. If they cancel anyway, they’re risking their deposit.” Some buyers are also waiving contingencies related to home inspections. These investigations are an opportunity to have a home inspector view the home based on disclosures and for the buyer to use findings as a bargaining tool, Suminski says. Eliminating these protections can end up costing money for buyers. And the more offers the buyer writes and loses, the more risk they will tolerate. So, they may waive contingencies and regret it later, says Suminski. Talk to a buyer’s agent who will guide you through this and explain the risks of removing protections and unknown variables, she advises. 2. Speed Showings and Decisions Bryan Yap recently bought a home in an expensive and highly competitive market — Orange County, Calif. He found that with the pandemic, each showing lasted only 15 minutes. That was one of the biggest hurdles. “We’d see three, four, or five homes in one day. It’s hard to keep track of what you like and don’t like with each house. What I would do differently is take notes immediately after viewing a home. If you’re able to prepare beforehand, create a list of wants and requirements in priority order. Immediately after seeing each home, rank it based on the list.” 3. Focusing on the Top of Your Price Range “If you’re looking in a micromarket where listings are achieving multiple offers and homes are going above asking price, don’t set your on the houses at the top of your price range,” Suminski says. If $300,000 is your upper limit, look at houses priced at $250,000 or $275,000. Otherwise, you’re going to be outbid from the gate every time.” That was the process Yap used when he was looking. “I would look for homes $25,000 under my max budget. I went on Zillow and looked at homes that were sold recently and tried to calculate the average over-listing price those homes were being sold for and factor that into my offer price.” 4. 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Information Overload In the two years before he started searching for a home, Yap did a lot of reading. “It was a massive plan I had to come up with and stick to so that I’d be able to afford buying a home.” Because of how hot the Orange County market is, agents scheduled showings as soon as a house was listed or showed “coming soon” status. Yap treated the home search as “almost a second job,” using lunch breaks and evenings to check emails, do online searches, and text his real estate agent about what he wanted to see. “I had to make a lot of sacrifices. People wanted to set plans with me for the weekend, but I said, ‘Sorry, I have to go view homes that day.’” He primarily credits his real estate agents, including Sumiski, for keeping him informed. “They made all this possible. I learned a lot from them.” Some agents, like Suminski, hold an accredited buyer’s representative designation but usually work with sellers as well as buyers. “An [agent with an] ABR has taken extensive buyer’s representation training,” Suminski says. “They’ll provide education to buyers so that they’re learning as much as they can about the market, including the risks involved with different negotiations. If buyers are going to shorten terms or remove protections, they need to be well informed about the pitfalls.” Learn from Experiences That access to information and guidance will help buyers making an offer on a home especially in a competitive market. “Today’s buyer has seen and written offers on many properties before they get their offer accepted,” Suminski says. “That’s common across the country. 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In today's hot market, know how to make sure you get the home of your dreams. By: HouseLogic You and your agent are going to use everything you’ve learned to seal the deal. Here’s the dream: Your offer is perfect, you don’t need to negotiate, and you can spend the next few weeks addressing more pressing home-ownership questions, like “Why is it called wainscoting?” and “Do I want a new couch in blush or emerald green?” And it could happen. Many sellers accept the best offer they receive, and for a variety of reasons. But sellers are also known to reject offers for a variety of reasons. Or make counteroffers. This is especially likely if you bid low, or when you’re up against multiple competing offers. If you do receive a counteroffer, it’s up to you to decide whether you want to accept the new contract, negotiate the terms, or walk away. In cases such as these, look to your agent. He or she is your spirit guide. If you decide you want to negotiate — that is, make a counteroffer to the seller’s counteroffer — your agent will use their negotiating skills to help get you the best deal. This is what agents do every day. But you’re not just going to sit there. If you understand what negotiating tactics your agent may deploy — they depend on the local market and your position — you can back them up. And cheer them on. Here are eight rules every buyer should know before they — and their agent — start negotiating: #1 Act Fast — Like, Now When you receive a counteroffer, you should respond quickly — ideally within 24 hours. The longer you wait, the more space you leave for another buyer to swoop in and nab the property. Also? If a seller senses hesitation, they may decide to withdraw their counteroffer before you even have a chance to respond. #2 Raise Your Price (Within Reason) While you obviously don’t want to overpay for a house, you may have to up the ante — especially if you initially made a lowball offer. Lean on your agent’s expertise to determine how much money you should add to the sales price to make it more enticing to the seller. Then, through their powers of persuasion, your agent can make the counteroffer look even more attractive by pointing out similarly priced “comps” — recently sold homes in your area that are comparable in terms of square footage and features. As your agent negotiates, it can feel like things are escalating quickly. It’s stressful. You may feel a sudden urge to do whatever it takes to win. Before you go overboard, there are two things you must keep in mind: You can’t exceed the monetary confines of the pre-approved mortgage you received from your lender. You shouldn’t overextend your budget. Because your counteroffer has to be an amount you’re comfortable spending on a home. You want that new house and to keep living your life. Plus: You’re not out of options yet. #3 Increase Your Earnest Money Deposit Increasing your earnest money deposit (EMD) — the sum of money you put down to prove to the seller you’re serious (i.e., “earnest”) about buying the house — is another way to show the seller you have more skin in the game. A standard EMD is typically 1% to 3% of the sales price of the home. Making a counteroffer with a 3% to 4% deposit could be what you need to persuade the seller to side with you. #4 Demonstrate Patience About Taking Possession Depending on the seller’s timetable, changing your proposed possession date — the date you take over the property — could butter them up, too. If the seller wants to stay in the home for a few days after closing, try offering a later possession date. You could also draw up a “rent-back” agreement, meaning the seller pays you rent for staying in the home for a set period of time after the closing date. #5 Let Go of a Few Contingencies — With Care Want to give your counteroffer an even bigger boost? Reduce the number of contingencies you’re asking for. It’s your way of saying, “Hey, look, I have fewer ways to back out,” which gives the seller more reassurance that the deal will close. But be selective: Some contingencies are too important to give up. A home-inspection contingency — the right to have a home inspection and request repairs — gives you an out if you spot major problems with the home (and protects you from buying a total money pit). You might waive a termite inspection if you’re in a state where the risk is lower. But ultimately, waiving contingencies depends on your market, your loan program requirements, your risk tolerance, and the circumstances of the house in question. And if you waive contingencies and then you find a problem, the seller isn’t responsible for fixing it. #6 Ask for Fewer Concessions At a mortgage settlement, home buyers have to pay closing costs for taxes, lender’s fees, and title company fees. Closing costs vary by location, but you can expect to shell out between 3% and 4% of the home’s sales price. The seller pays an additional 1% to 3%. (Smart Asset and Nerdwallet have simple calculators you can use to get a rough idea of what your closing costs might be.) When making an initial offer, you have the option to ask the seller for concessions — a settlement paid in cash to help you offset your share of the closing costs. (This move is less feasible if you’re going up against multiple offers.) Concessions effectively lower the seller’s net proceeds from the sale. Making a counteroffer that removes the concessions you would have otherwise received at settlement puts cash back in the seller’s pocket — and can improve your bid. #7 Pick Up the Cost of the Home Warranty Sometimes sellers offer prospective buyers a home warranty. This is a plan that covers the cost of repairing major home appliances and systems, like the air conditioner or hot water heater, if they break down within a certain period (typically a year after closing). A basic home warranty costs about $300 to $600 a year, according to Angie’s List. If it seems like waiving the home warranty can sweeten negotiations, but you still want the peace of mind of having one, tell the seller they don’t need to cover it — then buy it yourself. Just keep in mind, whether you or the seller buy the warranty, you’ll need to pay the service fee (typically between $50 and $100) if something does, indeed, need to be repaired while under warranty. Also, FYI: A home warranty is entirely separate from homeowners insurance. Homeowners insurance — the security blanket that covers your home’s structure and possessions in the event of a fire, storm, flood, or other accident — is required if you take out a mortgage. It can cost anywhere from $300 to $1,000 per year. #8 Know When to Walk When negotiating with a seller, trust your gut — and your agent. If he or she says a deal is bad for you: Listen. And if you don’t want to make any more trade-offs — and the seller won’t budge — it’s smart to walk. That can be a tough decision to make, and rightfully so! Negotiating is tough. It’s draining. And losing something you’ve worked hard to get can be disappointing. But don’t worry. There’s a better deal for you out there. And after those strong feelings of frustration pass, you’ll realize: Now I know how to do this.